You do not have to be an insurance expert to get a competitive offer for annual insurance on your car, and you only have to make this easy and clear advice…
The annual car insurance forms a significant part of the expenses incurred by the owner each year on his car, which usually ranges between installments (if new), fuel, maintenance, registration fees, parking (if needed), and other things including insurance.
Some say that the car money is comparable, even relatively, to the home, so any savings that can be obtained in any part of your car expenses will return you with great neglect by saving a portion of the money that can be invested in other things.
Therefore, I strive to obtain the cheapest possible insurance, but beware, too, because the cheapest does not mean the most appropriate, and the same applies to the most expensive, it is not necessarily the most appropriate. So you have to choose the most appropriate insurance very carefully, and in turn, we have studied the insurance market to come up with six easy and clear tips to help you get the cheapest and most appropriate insurance for your car if you follow it. Here are these tips:
1- Search more … Save more:
An extensive and correct search for the right insurance offer for your car is the first and most important step in obtaining the best insurance. There is no longer any argument these days for not conducting extensive research in light of the presence of websites that provide a lot of trouble with traditional research methods as well as give you more details and time to study the best offer.
We also advise you, upon obtaining a suitable offer, try to contact another company that makes a similar offer and negotiates with it that you have received an offer of a certain value. Can you give me a better offer?
2- Don’t buy what you don’t need:
This point is very important and the previous step is the best way to go. Each insurance has several points covered, so you may not need the most part. For example, there is a silver and gold insurance, and the latter includes services that the former does not provide, such as saving your car in the event of getting stuck in a rough road, accident insurance coverage in neighboring countries, and compensation in the event that some valuable personal property is lost.
For example, if you never go out in your car off the road, you do not need to travel at all to the neighboring countries in your car and do not usually transfer any valuable property within your car. So why do you need to pay a higher amount to get the golden insurance that provides you with services you will never need ?!
3- Avoid some additional services:
When purchasing insurance for your car, most companies offer additional services such as providing an alternative car while you have to repair your insured vehicle after an accident or pay compensation to a driver and passengers affected by the accident. There is no doubt that the above has many benefits, but if we recommend that you pay higher insurance to cover the injury of the driver and passengers, the matter does not apply to provide a replacement car.
4- A higher value … more expensive insurance:
One of the words stringed by insurance companies to attract customers to pay more is the total car value. As it offers to evaluate your car in a higher amount in the event of an accident that resulted in the total cancellation of the car (that is, it is no longer workable or permanently repaired), in exchange for paying more fees.
The most thing that helps insurance companies persuade customers to do so is greed. There is no doubt that you will be happy, for example, if you get $ 23 thousand as a total value of your car instead of $ 20 thousand if your car is canceled and for an amount that may not exceed $ 40.
That is, this relatively small amount will return you $ 3,000 later … What a deal and what a fool! The cancellation of the car is caused only by a very severe accident that may not come out alive from it to take the additional amount, or from natural disasters such as floods or accidents such as fire, and all of this is rare and extremely rare. Remember that greed is not good for your car, so your car may not be up to $ 20,000 in value.
5- Bear the amount of the charge:
In the event that you were the cause of an accident, you must pay what is known as the “carrying amount”, as part of the repair cost. This amount is usually determined based on the value of your original car.
However, many insurance companies are making offers to raise the original insurance price in exchange for reducing the amount of the bearing amount. As a hypothetical example, the original insurance value for a car will be raised from $ 500 to $ 600 in exchange for a reduction in the carrying amount from $ 150 to $ 100.
That is, after only two accidents, you will be compensated for the additional amount of insurance, and with the third accident, you will be returned with the profit … right? This is true, but only if you are a stupid driver!
6- Are you a light-hearted driver?
If you are, then you really need a bank to bear the insurance expenses for your car. From the previous paragraph, you can get cheaper insurance in the event of raising the bearing amount, and there is no doubt that this is the most appropriate option if you are a sufficiently careful driver.
Just as any light-hearted driver causes several accidents during a year, two years or more, his record will become black for companies that will increase his annual insurance amount, in addition to some companies offering a special discount for each driver with a clean record. More caution behind the wheel and attention means more savings and safety as well …